Although the "house-based self-service elderly care" model is good, it still has many difficulties in implementation. It involves government guarantees, property evaluation, mortgage loans, house maintenance, house auction transfers, depreciation insurance, long-term care insurance, etc. Many questions. In addition, judging from the traditional habits of the Chinese people, Chinese people are keen to leave their property to their children. At the same time, many elderly people are also worried that if they mortgage their homes, their children may not be willing to take care of them, so they are unwilling to give up family affection and care. in exchange for cash. Only a very small number of families can accept this kind of housing for elderly care, such as those who live alone, lack child care, and have no stable source of income. In addition, the elderly whose family economic situation is good and their children's income is high may also be willing to accept this kind of housing. model. On the contrary, it is difficult for some elderly people with meager pensions and average children's income to accept this model. Nanjing Model: Social Forces Lead

“The ‘housing for retirement’ scheme that Shanghai has just started to promote is similar to a ‘reverse mortgage’.” Dai Luguo, former director of the Shanghai Labor and Social Security Research Institute, told reporters. "The 'housing for retirement' model first promoted in Nanjing is a 'reverse mortgage' and has already been implemented."

Usually "housing for retirement" refers to a reverse mortgage loan, referred to as "reverse mortgage" Mortgage”. Nanjing Tangshan’s “Hot Spring Lingering Garden” was the first to publicly launch a “housing for retirement” initiative with the nature of a reverse mortgage.

The plan is: orphans and disabled elderly people who own property rights of more than 60 square meters in Nanjing and are over 60 years old can voluntarily mortgage their properties; after notarization, they can move into an apartment for the elderly and be exempted from paying all fees for life. ; The property rights of the house belong to the nursing home after the death of the elderly person.

The practice of "hot spring gardening" in Tangshan, Nanjing is the prototype of "reverse mortgage". However, experts believe that although reverse mortgage has been promoted to a certain extent in Nanjing, it is not suitable for large-scale promotion across the country.

“The reverse mortgage model has bottlenecks and requires certain conditions before it can be promoted.” Dai Luguo believes, “First of all, the elderly must own a house and there are no disputes about the house; in addition, it needs to be based on the physical condition of the occupants. ”

Self-service elderly care-development status “House-based elderly care” is still in the rough stage

Although models such as “reverse mortgage” have some shortcomings, they are still in use in Beijing and Shanghai. , Chongqing, Changsha, Nanjing and other places have attracted attention. In 2006, representatives and members of the National People's Congress and the Chinese People's Political Consultative Conference made suggestions and proposals, hoping to implement "reverse mortgage" in our country.

The conditions for promoting "housing for retirement" are not yet sufficient: there are no relevant regulations to clarify the qualifications of people who apply for "housing for retirement", and there are no relevant laws to accurately assess the value of mortgaged properties and reasonably calculate them. Loan amount issued in installments, etc. Compared with the Nanjing operation, the biggest feature of the Shanghai model is that the platform is built by departments with credibility, and the probability of success seems to be greater.